Beautiful homes and great weather are just some of the advantages of living in Central Georgia.
High quality Education and exceptional Facilities for Physical Fitness
and outstanding Sports Programs are just two of the many more.

% A Few Points About Interest Rates %

1.Less is More If you're new to investing or real estate and don't know the first thing about interest rates, here's a good tip:
the higher the interest rate, the more expensive it's going to be. High interest rates mean you will have to pay back
more on the money you borrow.

2. A good rule of thumb is that affordability increases if you use an adjustable rate mortgage (it's easier to qualify
this way) -- Note: Be careful as adjustable rates
are more susceptle to you defaulting on your loan. Be sure and talk to your real estate agent
about the Pro's and Cons" of adjustable rates. Of course, there will be a wide range of prices that you can choose from, depending on what kind of financing you choose.
Not Even the Fed Knows for Sure

3. Mortgage interest rates are affected by many
unpredictable political, economic and social events. The Fed holds a considerable amount of power, but they can't control everything. So there is no guarantee what direction interest rates will go,
despite the forecasts of the experts. Therefore, make your financial decision based on where things are today including your
budget, your needs and your future plans.

4. You will need to complete a loan
application and send it to your lender as soon as
possible If you do decide you want to lock in at a certain interest rate. Locking in Rates Assures Your Lowest Interest This must be done so that your
commitment doesn't runout before your loan is approved. Follow up and be se sure that the lender is receiving all of the
necessary documentation. Get a property appraisal through your loan agent as soon as
possible. Don't Obsess and Miss a Good Real Estate Deal
Rising interest rates can create more problems for home
buyers, waiting and hoping for low rates is not always a smart move. You
can end up paying a higher price. Refinancing is always an option if the interest rates come down.